Table of Contents

A. Introduction

B. Loan Repayment

• 1. General
• 2. Repayment Policies
• a. General
• b. Allotment vs Cash
• c. Start Date
• d. Reimbursement/Other Sources
• e. Underpayments & Overpayments
• 3. Repayment Options
• a. Allotment
• b. Cash
• 4. Repayment Guidelines
• a. Establishing Repayment Terms
• b. Repayment Schedules
• 5. Processing Allotment Repayments
• a. General
• b. Deductions From Pay
• c. Payment Options-No Loan Balance
• d. Payment Options-W/Loan Balance
• 6. Processing Cash Repayments
• a. General
• b. Making Payments
• c. Cash Billing
• d. Responsibility for Cash
• e. Lost Payments
• f. Non-Sufficient Funds Checks

C. Lost Checks/Stop Payments

• 1. General
• 2. When Will Stop Payment be Issued
• 3. Cost
• 4. Responsibility
• 5. Reissuing a CGMA Check

D. Delinquent/ Unc. Accounts

• 1. Delinquency Accounts
• 2. Notification Letters
• 3. Collection Agency Actions
• 4. Restricted Accounts
• 5. Providing Assistance To...

E. Bankruptcy

• 1. General
• 2. Responsibility
• a. Representatives
• b. CGMA-HQ
• 3. Future Assistance
• 4. Reestablishing Loan Payments

F. Converting Loan into Grant

• 1. General
• 2. Procedures
• a. Client
• b. Representatives
• c. CGMA-HQ Cases Under $6,000
• d. CGMA-HQ Cases Over $6,000

G. Loan Balance at Separation

H. Deceased Clients

I. Under/Over Payment/Refunds

• 1. Underpayments
• 2. Overpayments
• 3. Refunds

J. Additional Information